FCF
FIRST COMMONWEALTH FINANCIAL CORP /PA/
Financials • CIK: 0000712537
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Market Cap
$1.74B
P/E (TTM)
11.4x
Rev Growth (TTM)
+9.4%
Net Margin (TTM)
29.1%
FCF Yield (TTM)
10.8%
FCF Margin (TTM)
35.9%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$188M
Q4 '25
$52M+5%
Q3 '25
$49M+63%
FCF Margin
TTM35.9%
Q4 '2537.5%+3%
Sector: 22.2%Top 25%
OCF Margin35.9%
OCF/NI1.23x
CapEx Coverage–
FCF Yield10.8%
FCF Growth (2Y)+7%
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM5.2%
Div Yield3.2%
+Buyback (TTM)2.1%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)3.2%
FCF Payout Ratio29.4%
Free Cash Flow (TTM)$187.5M
Stock Repurchases (TTM)$35.8M
Capital Return / FCF48.7%
Est. Dividends Paid (TTM)$55.2M
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.04x
8Q: 0.04x
Leverage (1+D/E)
1.26x
D/E: 0.26x
Asset & CapEx Efficiency
Fixed Asset Turn
4.51x
8Q:4.13x
+87.7%
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $522.9M | $137.9M↑1.4% | $136.0M↑3.8% | $131.0M↑11.0% | $118.0M↓2.0% | $120.4M↓0.7% | $121.2M↑0.8% | $120.2M↑3.4% | $116.3M |
Operating Income | $228.1M | $63.4M↑0.5% | $63.1M↑15.4% | $54.7M↑17.0% | $46.8M↓8.5% | $51.1M↓0.1% | $51.1M↓6.0% | $54.4M↑7.3% | $50.7M |
Net Income | $152.3M | $44.9M↑8.6% | $41.3M↑23.7% | $33.4M↑2.2% | $32.7M↓8.8% | $35.8M↑11.7% | $32.1M↓13.5% | $37.1M↓1.2% | $37.5M |
Operating Cash Flow | $187.5M | $51.8M↑4.6% | $49.5M↑62.8% | $30.4M↓45.6% | $55.9M↑313.4% | $13.5M↓74.8% | $53.6M↑136.2% | $22.7M↓42.8% | $39.6M |
Free Cash Flow | $187.5M | $51.8M↑4.6% | $49.5M↑62.8% | $30.4M↓45.6% | $55.9M↑313.4% | $13.5M↓74.8% | $53.6M↑136.2% | $22.7M↓42.8% | $39.6M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
11.4x
Volatile
8Q: 45.5x+105%
Valuation Lenses
Earnings
11.4x
vs – sector
Cash Flow
10.6x
EV/FCF vs –
Growth-Adj
2.3xPEG
Expensive for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
3.2%
Buyback
2.1%
Total Yield
5.2%
Market Cap$1.74B
EV$1.99B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
72/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Below Avg
10.2%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.23x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
63/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
9.4%
OpInc Growth YoY
24.1%
EPS Growth YoY
5.0%
FCF 3Y CAGR
7.4%
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
—
Operating
—
Net
29.1%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+6.7 pts
FCF: 35.9% | Net: 29.1%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Solid
Net Debt / EBITDA
–Net Debt: $229.35M
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
0.26x
Balance sheet risk & solvency analysis